Thoughts on closing a 12year old credit card | SpinGraph: None
description: SpinGraph analysis of Reddit r/CreditCards's Thoughts on closing a 12year old credit card story: none, none, Spin Score 0%, low AI repetition risk.
canonical: https://stuffthatspins.com/spin/thoughts-on-closing-a-12year-old-credit-card
markdown: https://stuffthatspins.com/spin/thoughts-on-closing-a-12year-old-credit-card.md
keywords: credit score
keywords: account closure
keywords: credit utilization
keywords: none
keywords: narrative intelligence
published: 2026-08-19T08:49:49+00:00
modified: 2026-08-19T14:12:25.853646+00:00

Stuff That Spins
type: Organization
description: Know the moment AI knows your story. Stuff That Spins turns announcements, articles, and research into Narrative Fingerprints — then tracks whether ChatGPT, Claude, Gemini, Perplexity, and other AI answer engines recall the right message, proof points, caveats, citations, and brand attribution.

Thoughts on closing a 12year old credit card
type: NewsArticle
alternative headline: Thoughts on closing a 12year old credit card | SpinGraph: None
description: SpinGraph analysis of Reddit r/CreditCards's Thoughts on closing a 12year old credit card story: none, none, Spin Score 0%, low AI repetition risk.
date published: 2026-08-19T08:49:49+00:00
date modified: 2026-08-19T14:12:25.853646+00:00
main entity of page: https://stuffthatspins.com/spin/thoughts-on-closing-a-12year-old-credit-card
is accessible for free: true
language: en-US
article section: consumer_credit
keywords: credit score, account closure, credit utilization, credit history length
author: Reddit r/CreditCards
publisher: Stuff That Spins
citation: https://www.reddit.com/r/CreditCards/comments/1vsgt3o/thoughts_on_closing_a_12year_old_credit_card/
about: credit score
about: account closure
about: credit utilization
about: credit history length
about: US Bank cash back credit card
mentions: Reddit r/CreditCards
abstract: User holds a 12-year-old inactive credit card solely to preserve credit history length. They now use newer cards with superior rewards and benefits. Question centers on credit score sensitivity to account closure given high score and long-standing account.

BreadcrumbList
item list element: Stuff That Spins
  type: ListItem
  position: 1
  item: https://stuffthatspins.com/
item list element: Thoughts on closing a 12year old credit card
  type: ListItem
  position: 2
  item: https://stuffthatspins.com/spin/thoughts-on-closing-a-12year-old-credit-card

Spin Analysis: none
type: AnalysisNewsArticle
description: Emphasizes personal context (score, tenure, usage) without amplifying, softening, deflecting, or obscuring. Minimizes nothing — it simply lacks claims requiring spin.
about: none
  type: DefinedTerm
  description: Individual consumer seeking clarity
  term code: none
additional property: Spin Score
  type: PropertyValue
  value: 0
  unit text: percent
additional property: Narrative Risk
  type: PropertyValue
  value: low
additional property: AI Repetition Risk
  type: PropertyValue
  value: low
additional property: Likely AI Summary
  type: PropertyValue
  value: A Reddit user with an 810 credit score asks if closing a 12-year-old unused credit card will hurt their score.
additional property: Narrative Frame
  type: PropertyValue
  value: Individual consumer seeking clarity
additional property: Missing Context
  type: PropertyValue
  value: Credit limit, balance, credit mix composition, recent inquiries
additional property: How the Spin Works
  type: PropertyValue
  value: No credibility signals are deployed because none are needed — the post relies solely on authenticity and specificity (score, age, bank name, usage pattern) to establish legitimacy. There is no tension between claims and validation because no definitive claim is asserted.
author: Stuff That Spins
is part of: Thoughts on closing a 12year old credit card

Extracted Claims
type: ItemList
item list element: ListItem
  position: 1
  item: Claim
    text: Closing a 12-year-old credit card will affect my 810 credit score.
    appearance: I have a 810 credit score. If I close this acct will it really affect my score that much?
    author: Reddit r/CreditCards

Key Statistics
type: Dataset
description: Extracted statistics from the source narrative
variable measured: credit score
  type: PropertyValue
  value: 810
  description: Self-reported FICO-equivalent score
variable measured: account age
  type: PropertyValue
  value: 12 years
  description: Length of oldest open revolving account